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First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Q	What is the world's longest wall?
A	The Great Wall of China, at a length of 2,150 miles, nearly three times the length of Britain.
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Keller Williams Northeast Realty, real estate agents and broker for Cave Creek, Peoria and Phoenix Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

The Lighthouse Group
Keller Williams Northeast Realty
Serving all your Real Estate needs Valley wide!
Cell: 480-330-7426
Office phone: 623-399-9949
Fax: 623-399-9832
Justin's E-mail: LighthouseGroupJB@cox.net

Justin Baker: As an agent in the top 10% of my office, I have a team of extremely professional and knowledgable Realtors. Through our attention to detail and customer satisfaction, our team sells more Real Estate than most other Realtors in the Phoenix area. Because of my dedication to teach new agents how to be successful, I was choosen by the Team Leader of my office to teach classes to new agents and to lead a mentor group of approximately 30 new agents. In this industry, agents are only as good as the people they work with during the transaction. I have hand selected the cream of the crop when it comes to Home Inspectors, Transaction Coordinators, Termite Inspectors, Loan Officers and Title Companies. My clients, in return, send their friends and family. That is how I know I have done a great job! If you decide to use our team, you too will send your friends and family to our team of professionals.

Equal Housing MLS REALTOR

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